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NBT Bancorp Inc. (NBTB)

51.97 -0.92 (-1.74%)
At close: October 28 at 4:00:00 PM EDT
51.97 0.00 (0.00%)
After hours: October 28 at 4:01:01 PM EDT
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NBTB Q3 2026 earnings call
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  • Previous Close 52.89
  • Open 52.90
  • Bid 37.61 x 200
  • Ask 66.48 x 200
  • Day's Range 51.49 - 53.31
  • 52 Week Range 39.45 - 54.50
  • Volume 393,210
  • Avg. Volume 317,982
  • Market Cap (intraday) 2.7B
  • Beta (5Y Monthly) 0.50
  • PE Ratio (TTM) 12.96
  • EPS (TTM) 4.01
  • Earnings Date (est.) Jan 25, 2027
  • Forward Dividend & Yield 1.60 (3.02%)
  • 1y Target Est 57.50
  • Motley Fool Rating Bullish

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

www.nbtbancorp.com

2,303

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Performance Overview

Trailing total returns as of 10/28/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

NBTB
28.28%
S&P 500 (^GSPC)
13.13%

1-Year Return

NBTB
30.12%
S&P 500 (^GSPC)
12.38%

3-Year Return

NBTB
73.16%
S&P 500 (^GSPC)
88.08%

5-Year Return

NBTB
68.12%
S&P 500 (^GSPC)
68.48%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 195.03M
Earnings 58.03M
Profit Margin 29.75%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
50M
100M
150M
28.0%
28.5%
29.0%
29.5%

Analyst Insights

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Analyst Price Targets

54.00
57.50 Average
51.97 Current
62.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 8/3/2026
Analyst Keefe, Bruyette & Woods
Rating Action Reiterates
Rating Market Perform
Price Action Raises
Price Target 52 -> 54

Statistics

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Valuation Measures

Annual
As of 10/27/2026
  • Market Cap

    2.75B

  • Enterprise Value

    --

  • Trailing P/E

    12.95

  • Forward P/E

    --

  • PEG Ratio (current)

    3.44

  • Price/Sales (ttm)

    3.75

  • Price/Book (mrq)

    1.42

  • Enterprise Value/Revenue

    --

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    29.59%

  • Return on Assets (ttm)

    1.33%

  • Return on Equity (ttm)

    11.42%

  • Revenue (ttm)

    723.81M

  • Net Income Avi to Common (ttm)

    214.15M

  • Diluted EPS (ttm)

    4.01

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    366.82M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Compare

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Company Insights

Fair Value

51.97 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

Research Reports

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  • Raising target price to $57.00

    NBT Bancorp Inc has an Investment Rating of BUY; a target price of $57.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of Medium; a Growth Subrating of Medium; and a Value Subrating of High.

  • Lowering target price to $55.00

    NBT Bancorp Inc has an Investment Rating of BUY; a target price of $55.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of Medium; a Growth Subrating of Medium; and a Value Subrating of High.

  • Raising target price to $56.00

    NBT Bancorp Inc has an Investment Rating of BUY; a target price of $56.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of Medium; a Growth Subrating of Medium; and a Value Subrating of High.

  • Lowering target price to $55.00

    NBT Bancorp Inc has an Investment Rating of BUY; a target price of $55.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of Medium; a Growth Subrating of Medium; and a Value Subrating of High.

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